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People have been trained their whole lives to keep score...

We do this in education, our work performance reports, in sports, etc. Why not do it with our finances?

Now, there is no grade scale we can universally go by and there shouldn’t be. Every person's situation is different so go ahead and be your own judge. Besides, is there anyone harder on you than yourself?

#1 Keep Financial Score

Are you going forwards or backwards?

For a young person or family starting out, it is very common that your assets are equal to your liabilities. You either haven't bought a house yet or just did and you haven't built any equity.

Re-do your net worth statement in six months and see if your net worth is improving or getting worse.

If it is going backwards, then you need to figure out why.

#2 Write Your Will

A net worth statement is a fantastic guide to writing your will. When you complete your net worth statement, you have a clear picture for yourself, your lawyer, your accountant, and your financial advisor.

You will then be able to decide the most fair and effective way to transfer these assets to your beneficiaries.

Don’t forget to have a family meeting when you’re done writing your will.

#3 Plan Your Retirement

Finally, your net worth statement will tell you how you’re going to turn your assets into an income for the rest of your life. Ask yourself some questions:

  • Which of these assets will cover my fixed expenses?
  • Which of these assets will cover my spending money (ie. vacations, entertainment, vehicles)?
  • Will these assets be enough for my spouse and I to retire?
  • How can I use all of these assets together and still be tax efficient?

If there was one financial tool you should use, a net worth statement would be a great start. Use it to keep score, write your will, and plan your retirement.

If you need help with your statement, find a financial advisor.

Click the "Download Now" button to access our Net Worth Statement PDF. ​You don't have to enter any information.

And if you're really proud of your number, share it in the comment section below!​

  • Make Your Appointment Today

    Working with an advisor doesn’t have to be intimidating and shouldn’t be. We want to listen to your story and help you create your financial road map. We will keep you accountable and on track so that you can work because you want to, not because you have to.

    340 9th Ave N, Regina, Sk

    306.543.9222






  • Immediate Cash Needs
    Final expenses (to pay for funeral, taxes, etc. ($5,000-$20,000) Read more>>
    $
    Mortgage (to pay off the outstanding balance) Read more>>
    $
    Personal loans (to pay off loans, credit cards, etc.) Read more>>
    $
    Emergency funds (3-6 months’ salary) Read more>>
    $
    Children’s education fund ($10,000-$25,000 per year, per child) Read more>>
    $
    Income Replacement
    Emergency funds (3-6 months’ salary) Read more>>
    $
    For how many years? Read more>>
    yrs
    Assets and Insurance
    Savings (savings and investment accounts, RRSPs, TFSAs, etc.) Read more>>
    $
    Other assets (property, business, vehicles, etc.) Read more>>
    $
    Existing life insurance (including group plans, individual policies) Read more>>
    $
    Calculate Results
    Total Cash Needs

    $0.00
    ADD: Income Replacement Needs

    +$0.00
    SUBTRACT: Assets and Insurance

    $0.00
    EQUALS: Surplus
    =$0.00


  • Marketing Associate

    Working as veterinarian technologist for 10 years, made me realize that I take great pride in working in a team approach to help others. I’m a very organized person, with strong communication skills. I enjoy meeting people and making sure everyone feels welcome. Family is very important to me, so working at Zaba Financial Group is a great fit for myself and my family.

  • Financial Security Advisor, Vice President​

    I started my career as a financial advisor in 2012 at the age of 23. In January, 2014 I started a 3 year process working towards achieving my C.F.P. (Certified Financial Planner) designation.

    In my previous career I was a golf professional at local Regina clubs. My experience as a golf professional helped me realize my desire and determination to help others. I carry these values into my practice as a financial advisor.

    I also sit on the board of directors in the Regina Rotary Club, part of Rotary International. Our club standard is “Service above Self”. I take great pride in being a member of Rotary because it allows me the opportunity to get involved in the Regina community.

    The aspect that I enjoy most about being a financial advisor is that every client situation, and therefore plan, is unique. I have the pleasure of listening and understanding my clients’ goals and values and become a part of their financial success.

  • Financial Security Advisor, Vice President​ CHS

    I started my career as a Financial Security Advisor in 2007 at the age of 22. I currently hold a CHS designation (Certified Health Insurance Specialist) and I’m near completion of the CFP designation (Certified Financial Planner). I will continue to educate myself to better serve my current and future clients.

    I have the privilege of enjoying my life with my wife Christina and our two children Ashton and Brooklyn. I take pride in being able to participate as a coach for their respective soccer teams as I’m needed.

    I’m a board member of the South Saskatchewan Advocis chapter. Advocis is our national association for financial advisors in Canada. Through Advocis, I have the privilege of being the chair for the 65 Roses Golf Tournament benefiting the Cystic Fibrosis Foundation. Since golf is a passion of mine, I feel this is a natural fit for me to contribute to a great cause.

    What I enjoy most about being a Financial Security Advisor is helping to bring peace of mind to my clients and their families through risk management.

  • Brian Zaba: Certified Financial Planner, President​ ​B. Admin, CLU, CFP, CH.FC.

    I graduated from the University of Regina with a degree in Business Administration in December of 1986. Shortly after graduation I joined the financial industry in February, 1987. Since then I have obtained several designations including, Chartered Life Underwriter, Certified Financial Planner, and Chartered Financial Consultant.

    I am a member of Advocis, our national association for financial advisors in Canada. I have served in various roles in Advocis including President.

    On a personal note I am married to Donna Zaba. She is an oncologist nurse at the Allan Blair clinic. We have three sons Andrew, Mitchell, and Tyler. Tyler is married to Christina, and together they have a son and daughter Ashton and Brooklyn. As the boys were growing up I enjoyed coaching them in hockey, baseball, and soccer. In their teens our summers were spent touring the province to various golf tournaments. Golf has now become a staple in our family recreation.

    What I enjoy most about being a financial security advisor is helping my clients achieve their financial goals by effective wealth management.